As a buyer considering the purchase of a short sale property in San Diego, you should consider what type of seller you may be dealing with. San Diego short sales can be tough enough, you certainly don't want the seller to make the short sale even more difficult. The ideal seller is one who is A) cooperative and motivated, B) in some stage of default, C) facing true financial hardship, and D) aware of all the alternatives to selling short. Ideally, you want to deal with a seller who has already determined that selling short is his/her best option.

To be eligible for a short sale in San Diego, a seller must usually meet the following criteria: The seller is not making payments on his/her mortgage loan, the seller is at least 90 days delinquent, the home is still occupied, and the homeowner is experiencing true financial hardship.

Work closely with your San Diego real estate exclusive buyer agent to determine if this characterizes the seller of the short sale property you are considering writing an offer on.

Exclusive Buyer Agents do not list homes for sale and never represent sellers. They have no "inventory" to try to sell you. They can represent you in purchasing any home. They are specialists at representing buyers only on the buyers' side of the transaction. Exclusive Buyer Agents work to get buyers the best price and terms when they buy a home.

If you have excellent credit and plan to buy a home or condo in San Diego County within 90 days, contact Justin Gramm to hire an agent on your side of the transaction. Call Justin at (858) 437-2662 or E-mail.